Annuity Leads

Monday, March 7, 2011

With the failure of several large banks in this country, concern over the banking industry is merited. Since size doesn’t seem to be an issue, both small and large banks cannot be immune from the possibility of failure.

Fortunately we have safeguards in place to protect and insure funds on deposit. Deposits are insured by the FDIC up to a limit of $100,000 per depositor. The question in considering your bank and other banks is how do you know if it is safe? While no method is foolproof, there are indicators of trouble or potential trouble

Mortgages provided for non-qualified applicants and runaway property values. The assumption was that real estate would continue to rise and equity would be gained in home ownership. Once the melt down started, many people were left with homes that they could not afford (and never should have qualified for) and simply went into default. Once default came, the holders of the mortgages asked the sellers of the mortgages to provide relief with the promises of insurance against loss. As things worsened, the funds and collateral were not sufficient to survive and the overall mortgage paper had to be written down (lowered in value). Once the devaluation of the paper happened, banks were left short of reserves because of having to provide additional collateral for the reduction in value of the mortgage paper.

Earning compensation is an important part of selling annuities, it is how we pay our bills and continue on with our journey.

Have you ever written a new annuity only to have it held up for 60-90 days and have to collect signatures, fight with conservation and wear yourself out? Just when you think it is ready to transfer, always something new comes up. Conservation by the broker or another agent gets old fast plus constantly calling the prospect always weakens the sale.

Thursday, March 3, 2011

If you have experienced losses in your IRA and are worried about your future retirement options, answer a few questions to determine if the “Gain or Retain” system is for you. Consider these questions regarding your IRA and other retirement funds.

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A Physicians Career and Protecting Your Retirement Funds With Equity Indexed Annuities

Imagine the life of a physician. Many years of study, financial hardships, long time periods as a resident, they have to build a practice, investing more money and dealing with government regulations. Being a physician is not for everyone and it is a very difficult career choice.